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Some people love to live life to the full

You can get insurance cover for European travel and your mobile phone. You can also earn Rewards on 7 types of household bills paid by Direct Debit. This account can be opened as a joint account.

To apply, you must be 18+ and a UK resident. To earn Rewards you need to log into Online or Mobile Banking at least once every three months.

Please note that from 1st October 2018, the Reward Silver monthly account fee will be £10. From this date, the Ticket Booking Service will be removed and replaced with a Discount on Cinema Tickets. You will be allowed one mobile phone insurance claim per year (two if it’s a joint account) and any damaged phones will be repaired, rather than replaced.

Product features...

What are Rewards?

Rewards are our way of giving you something back. Get rewarded on 7 types of household bills paid by Direct Debit. Your Reward balance can grow quickly, they’re easy to earn and they’re easy to exchange.

What are Rewards – in detail

When you open a Reward Silver account, you’ll earn Rewards on selected household bills. You could earn £83 on average in Rewards a year. This figure is based on paying 7 types of selected household bills of £345 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

How do I exchange Rewards – in detail

Once you have opened your Reward bank account you can set up a MyRewards account. This is where your Rewards are automatically stored. It’s also where you go to check your personalised offers or your Rewards balance. 5.00 Rewards = £5. Once it’s the equivalent of £5 or more, you can choose any of the following:

Bank it

Convert your rewards into money by simply transferring it into your NatWest bank account. It takes 5 days to clear into your chosen account.

Travel insurance – in detail

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please call 0345 601 5219 (or Minicom number 0345 600 0512).

If anyone covered by the policy is aged 70 or over, there’s a £75 annual premium per person insured aged 70 or over. If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.

Mobile phone insurance in detail

Our mobile phone insurance covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. Both account holders can make 2 successful claims, with a maximum of 4 per account.

There is no cover for phones owned by your employer.

2 successful claims can be made on this policy in any 12-month period.

Not sure Rewards are for you?

View our everyday bank account with no monthly fee and all the standard features that help make your banking hassle free.

Other features…

Mobile Banking app

Our Mobile Banking app is so good it was voted by customers as the ‘Best Banking App’ in the British Bank Awards 2018 for the second consecutive year. The app is available to Online Banking customers with a UK or international mobile number in specific countries.

Arranged Overdraft

Arranged Overdraft in detail

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills. An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.

What you should know

You can arrange an overdraft with this bank account. We will only charge you interest and/or fees if you use your Arranged Overdraft. Subject to eligibility.

How much will I get?

It depends. We’ll look at your individual circumstances and decide on your overdraft limit. We’ll take into account age, earnings and credit rating. Here’s a representative example, If you get an arranged overdraft limit of £1,200 on your bank account and use all of it, you will be charged arranged overdraft interest at 19.89% EAR (variable) and a monthly usage fee of £6.

Visa debit card in detail

Want to pay quickly and securely for amounts of less than £30? Just look for the contactless symbol, then touch your card against the reader. Simple as that! You can also pay contactless by using Apple Pay or Google Pay.

24/7 banking

24/7 banking in detail

Because we all lead busy lives, we’ve made it easy for you to access your account whenever it suits you, through our Online Banking or our Mobile Banking App. Alternatively call one of our UK call centres, available 24 hours a day.

Everyday support

Everyday support in detail

Our bank accounts are designed to help you with your day to day banking needs. You can set up text alerts and manage Direct Debits as a convenient way to pay household bills or memberships to gyms etc.

What are text alerts?

Text alerts are a really neat way of keeping tabs on your money. You can get a text alert to let you know when your balance is about to go below a certain limit, or to let you know what your balance is at a specific time. You can set them up when you fill in the online application form or in our Mobile Banking app.

To open this account you must meet these requirements

Important Information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Would you like to open a joint account?

Great! Now we know a bit more about you, we can get started…

Great! Now we know a bit more about you, we can get started…

What would you like to do today?

Great, as we already know you, this shouldn't take long at all

When you complete the application form, we'll just need the sort code and account number of the current account you want to change. You can find these within your mobile banking app, online banking or paper statement.

And now for the important legal stuff...

To open this account you must meet these requirements

Aged 18+

A UK resident

To earn Rewards you need to log into Online or Mobile Banking at least once every three months

Important Information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

To open this account you must meet these requirements

Important Information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.